Call reports 2001
HERITAGE BANK OF ST. JOSEPH, THE — 2001
What HERITAGE BANK OF ST. JOSEPH, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 144,357,000 | 143,136,000 | 144,042,000 | 146,509,000 |
| Total loans | 79,129,000 | 81,094,000 | 81,067,000 | 80,326,000 |
| Allowance for loan losses | 1,000,000 | 1,062,000 | 1,074,000 | 1,146,000 |
| Securities available for sale | 38,180,000 | 52,436,000 | 49,031,000 | 53,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,615,000 | 121,079,000 | 123,129,000 | 124,764,000 |
| Interest-bearing deposits | 104,294,000 | 103,545,000 | 105,357,000 | 106,373,000 |
| Noninterest-bearing deposits | 17,321,000 | 17,534,000 | 17,772,000 | 18,391,000 |
| Equity capital | 12,506,000 | 12,094,000 | 11,369,000 | 11,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,563,000 | 5,049,000 | 7,454,000 | 9,703,000 |
| Interest expense | 1,231,000 | 2,342,000 | 3,355,000 | 4,230,000 |
| Net interest income | 1,332,000 | 2,707,000 | 4,099,000 | 5,473,000 |
| Noninterest income | 340,000 | 696,000 | 1,056,000 | 1,441,000 |
| Noninterest expense | 899,000 | 1,859,000 | 2,767,000 | 3,735,000 |
| Provision for loan losses | 316,000 | 416,000 | 491,000 | 616,000 |
| Pretax income | 736,000 | 1,502,000 | 2,271,000 | 2,937,000 |
| Income tax | 33,000 | 60,000 | 86,000 | 108,000 |
| Net income | 703,000 | 1,442,000 | 2,185,000 | 2,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,024,000 | 11,888,000 | 10,631,000 | 10,773,000 |
| Total capital | 13,024,000 | 12,924,000 | 11,687,000 | 11,919,000 |
| Risk-weighted assets | 86,502,000 | 82,886,000 | 84,434,000 | 91,475,000 |